Income needed to buy a home
Harper County, OK
$24,915
a year in household income to buy the typical Harper County home with 10% down.
The monthly math
Typical home value$75,609
Down payment (10%)$7,561
Loan$68,048
Principal and interest (7.40%)$471/mo
Property tax (0.7% a year)$44/mo
Homeowners insurance (estimate)$38/mo
Mortgage insurance$28/mo
Total monthly cost$581/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Room to spare
The typical household here earns $64,053 a year, 157% more than it takes.
In Oklahoma
Harper County ranks #5 of 77 for the income a home takes, from least to most.
Easiest to afford in Oklahoma
| County | Typical home | Income needed |
|---|---|---|
| Tillman County | $57,791 | $18,955 |
| Harmon County | $60,375 | $19,889 |
| Kiowa County | $74,716 | $24,391 |
| Cimarron County | $76,566 | $24,727 |
| Greer County | $77,893 | $25,000 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.